5121 Rowe Trl, Milton, FL 32571 Property Records

Santa Rosa County property record for 5121 Rowe Trl, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,876 sqft · built 1985
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$374,500 (May 2026)
Tax Bill	$3,164 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-1N-29-5804-00C00-0100`

Property Details

APN / Parcel Number

Primary APN	`06-1N-29-5804-00C00-0100`
Alternative APN	`N29106580400C000100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,876 sqft Living Area
Gross Area	2,817 sqft
1st Floor Area	1,876 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	416 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5121 ROWE TRL
City	MILTON
State	FL
Zip	32571-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WOODBINE SPRINGS PLANTATION LOT 10 BLK C AS DES IN OR 4357 PG 319
Legal Range	29W
Legal Township	1N
Legal Section	06
Legal Subdivision	WOODBINE SPRINGS PLT
Legal Block	C
Legal Lot Number	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1045
Census Tract	10707

Owner

5121 Rowe Trl is owned and occupied by two individuals who bought it in May 2026.

Source: Santa Rosa County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5121 ROWE TRL, MILTON, FL 32571-9539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
Jan 4, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Jan 4, 2023 · Amount on File
Deed Document Number	202622469
Deed Book / Page	4740 / 780
Prior Transfer Date	Jan 23, 2009
Prior Transfer Doc	0028780609
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 4, 2026
Property Address	5121 ROWE TRL, MILTON, FL 32571-9539
Document Number	0000022469
Book / Page	4740 / 780
Instrument Date	May 1, 2026
Instrument	2026.22469
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264,771.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 ROWE TRL, MILTON, FL 32571-9539

Mortgage

Document Number	0000022470,
Date	May 4, 2026
Instrument	2026..22470

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 4, 2026
Property Address	5121 ROWE TRL, PACE, FL 32571-9539
Document Number	0047400780
Book / Page	4740 / 780
Instrument Date	May 1, 2026
Instrument	202622469
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264,771.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 ROWE TRL, PACE, FL 32571-9539

Mortgage

Document Number	0000022470,
Date	May 4, 2026
Instrument	202622470

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 4, 2023
Property Address	5121 ROWE TRL, PACE, FL 32571-9539
Document Number	0043570319
Book / Page	4357 / 319
Map Reference	MB D PG 16
Instrument Date	Jan 3, 2023
Instrument	202300421
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	GENESIS LAND & TITLE CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7269 FOXBORO CIR, PACE, FL 32571-9193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 ROWE TRL, MILTON, FL 32571-9539

Mortgage

Document Number	0004357320
Date	Jan 4, 2023
Instrument	4357/320

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Mortgage

Document Number	0043570340
Date	Jan 4, 2023
Book Page	4357/340
Instrument	202300423

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 30, 2020
Property Address	5121 ROWE TRL, PACE, FL 32571-9539
Document Number	0040351005
Book / Page	4035 / 1005
Map Reference	MB D PG 16
Instrument Date	Nov 23, 2020
Instrument	202063935
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8435 NOELINE PL, 8435, SAN DIEGO, CA 92114-7447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 ROWE TRL, PACE, FL 32571-9539

Mortgage

Document Number	0040351007
Date	Nov 30, 2020
Instrument	4035/1007

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$294,902 (+1.76%) Land $50,000 Building $244,902	$294,902 (+1.76%) Land $50,000 Building $244,902
2024	$3,164.00 (-6.31%) Homeowner's exemption	$289,810 (+4.64%) Land $49,000 Building $240,810	$289,810 (+4.64%) Land $49,000 Building $240,810
2023	$3,377.00 (+9.22%)	$276,961 (+10.58%) Land $49,000 Building $227,961	$276,961 (+10.58%) Land $49,000 Building $227,961
2022	$3,092.00	$250,458	$250,458 Land $45,000 Building $205,458

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5121 Rowe Trl in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	9 (1998–2020)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5121 Rowe Trl is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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